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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,925 | $23,330-83.2% | $64,489-93.9% | $82,448-95.2% |
| Participation rate | 85.5% | 68.3%+17.2pp | 67.7%+17.8pp | 68.1%+17.4pp |
| Annual return | 23.11% | 83.66%-60.6pp | 55.03%-31.9pp | 41.64%-18.5pp |
| Employer contribution / active EE | $513 | $824-37.7% | $1,523-66.3% | $2,551-79.9% |
| Participant deferral / active EE | $1,513 | $1,707-11.4% | $2,778-45.5% | $4,139-63.4% |
| Admin fee / account holder | $862 | $2,946-70.7% | $4,260-79.8% | $7,234-88.1% |